The business is not for sale yet, I just know owner would not deny the offer if I put it on the table but I want to be sure.

However, you can't deny they're a powerful lead gen funnel. 

Hey Denis, congrats man!

The only obvious one I’ve seen is moving yourself or your family in, but I’ve heard of times when even that can be denied.

Can't blame the guy for having a sophisticated enough business where he has the ability to deny customers that aren't idea.

@John Mausteller And if the rate hike requests are denied you can expect insurers to continue to pull out of those jurisdictions.

Even when I have a lot of equity, if my DTI is too high (over 60%) then I have found that I am denied HELOC approval.  

From what I’ve heard is that KW lacks in training, but some people deny this and say they’re good with their training and also the cap system is set up good so if you meet their cap, the rest after that is straight commission.

There was also a case in Phila where a judge denied the landlord a judgment for the time period during which the license was not in place.

As mentioned by Michele, smoking is not a protected class and you are perfectly within your rights to deny them as you do have a no smoking policy.